Purchase your home with just 1% down

  • 			    You don't need a bank to get a mortgage with a low, low rate.

    "You don't need a bank to get a mortgage with a low, low rate."

  • 			    The PERFECT HOME is waiting for you -- let us find you the perfect loan to go with it.

    The PERFECT HOME is waiting for you -- let us find you the perfect loan to go with it.

  • 			    Let us be the stepping stone to the home of your dreams.

    Let us be the stepping stone to the home of your dreams.

  • 			    REFINANCING is easy with our professionals' help.

    REFINANCING is easy with our professionals' help.

Apply Now

Our Secure Application takes about 12 minutes to complete, and is required for a "Pre-Approval." You will be contacted once your application is submitted.
Submit your Application

Purchase a Home

Whether you're buying your first home or your dream home, we have a mortgage solution for you. Get your custom rate quote today.
Get Pre qualified Now

Refinance your Home

We're committed to helping you refinance with the lowest rates and fees in the industry today. Check out our Low Rates, Calculate your Payment, or Start the Process Today!
Learn More

Mortgage Loans in California!!!!

Welcome to the official site of Mortgage Options Funding.  We are a full service mortgage company based in Valley Center, Ca.  We specialize in Residential Purchase and Refinance Loans.  We also proudly serve the entire state of California.  Whether you are buying a home of refinancing, we can help you realize your dream of home ownership or save money when getting your new lower monthly payment.  In terms of Purchase Loan programs, we offer the following: 

FHA | FHA 203k | VA | USDA | HomePath | Jumbo| Conventional

Refinancing? We can help you with that, too!

We offer a wide range of refinance options, designed to best meet the needs of local borrowers. If you're looking for cash out, or to just get a better rate and term, we can assist you. We offer the following Refinancing Programs:

FHA Streamline | FHA Cash Out | FHA 203K VA Streamline
VA Cash Out
USDA Streamline | Conventional  | HARP | Jumbo

Contact Mortgage Options Funding today to discuss your options, and find out which program will best suit your needs.

Pre-qualify for a loan in a few simple steps. Find out what Mortgage Rates are or What refinance Rate you can get.

Get Started

Fill out your Secure Application

Apply Now

See what our clients are saying:

Testimonials